Thanks for this. One of the reasons I refused to use iPhone is that you HAD to have a credit card on file (have they relaxed this?). Now I can tell people that try to convince me to switch to iphone that steve jobs didn't want me as a user.
Apple doesn't want me as a customer. That's not a bad thing, or a thing I feel any sort of resentment about. Apple just has a very specific demographic in mind, and I am not in that group.